Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$81,098Cash toward the purchase price.
Closing costs + prepaids$11,448Not just lender fees.
Before credits & paid funds$92,546The complete starting cash picture.
Estimated remaining funds due at closing
$92,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,097.97
Your down payment$81,097.97
Closing costs + prepaids$11,447.88
Total buyer cash needed$92,545.85
Remaining funds due$92,545.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,444.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$21.37
Fees + prepaids$11,447.88
Your down payment is the seller’s equity. You take over the $288,902 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $92,545.85 is due at closing. Uses and sources reconcile at $381,447.88 each. Not a Closing Disclosure.